Modern Economics & Management Forum

In recent years, with strong support from relevant national policies and guidance from the government, the commercial health insurance market has expanded, and the variety and services of products have become increasingly rich. Its development has, to some extent, alleviated the financial pressure on the government in terms of medical security and achieved significant results in meeting the diverse medical security needs of middle and high-income groups. However, the role of commercial health insurance in the multi-level medical security system is still in the exploratory stage, and its current development still faces many difficulties. Based on this, this article, from the perspective of constructing a multi-level medical security system, deeply analyzes the current situation of the development of commercial health insurance and the existing problems, aiming to scientifically judge the development paths that commercial health insurance can choose in the process of constructing a multi-level medical security system.